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BANKING
Banking Infrastructure

Turn Your Platform into a Neobank

Seamless fiat rails integration via Banking-as-a-Service. Automatic vIBANs, instant deposits, and API-driven payouts for complete financial infrastructure.

5 sec
Deposit Crediting
100%
Automated
EUR/GBP
Multi-Currency
24/7
Processing
vIBAN
Virtual IBANs

Automatic EUR/GBP Accounts

Issue unique IBAN accounts for every verified user. Technical segregation of funds meets regulatory requirements and prevents commingling.

Instant Provisioning

Automatically issue unique EUR/GBP IBANs upon KYC approval. No manual intervention required.

  • Unique IBAN per user
  • EUR & GBP support
  • Instant activation

Regulatory Compliance

Technical segregation of funds prevents commingling and meets MiCA requirements. Each user has their own IBAN.

  • No commingling of funds
  • MiCA compliant
  • Audit-ready structure

Your Personal IBAN

Dedicated account for deposits

IBAN
GB33 BUKB 2020 1555 5555 55
BIC/SWIFT
BUKBGB22
Active & Ready: Send EUR/GBP to this IBAN from any bank account. Funds credited within 5 seconds.
INSTANT
Auto-Deposit

5-Second Crediting

Webhook-driven architecture credits user balances within 5 seconds of funds arriving at the bank. No manual reconciliation needed.

How It Works

Step 1

User Sends Funds

Bank transfer to their personal IBAN

Step 2

Bank Webhook

Instant notification to our API

Step 3

Auto-Process

System validates and credits balance

Step 4

Ready to Trade

User can purchase crypto instantly

5-Second Crediting

From bank arrival to user balance in 5 seconds via webhooks

BCB Group Integration

Enterprise-grade banking partner with full API access

Automated Reconciliation

No manual matching needed. Every deposit tracked automatically

Traditional Approach
Single IBAN = Commingling

Commingling Prevention

Traditional banks close accounts when they detect multiple users sending funds to one IBAN. Our vIBAN approach solves this completely.

Technical Segregation: Each user has their own IBAN, preventing commingling issues
Regulatory Compliant: Meets MiCA requirements for fund segregation
Bank-Friendly: No risk of account closure due to multiple senders
PAYOUTS
Payouts

API-Driven Mass Payouts

Execute mass payouts to external bank accounts directly from your admin dashboard. No more manual wire transfers.

Mass Payout Execution

Send funds to hundreds of recipients in one API call

  • Batch processing
  • CSV upload support
  • Status tracking

Direct Bank Transfers

SEPA/SWIFT transfers to any bank account worldwide

  • SEPA instant support
  • SWIFT for international
  • EUR/GBP support

Approval Workflows

4-eyes principle with step-up MFA for security

  • Initiate → Approve flow
  • MFA verification
  • Audit trail

Transaction Proof

Automatic generation of payment confirmations

  • PDF statements
  • Bank references
  • Delivery tracking

Real-time Status

Track every payout from initiation to completion

  • Live status updates
  • Failure handling
  • Retry logic

Compliance Ready

Full audit trail for regulatory reporting

  • Complete logging
  • Reason tracking
  • Regulatory export
BaaS
Banking-as-a-Service

Enterprise Banking Partner

Powered by BCB Group, a leading Banking-as-a-Service provider for crypto businesses. Enterprise-grade infrastructure with full API access.

BCB Group Partnership

FCA-regulated banking partner for crypto businesses

vIBAN Issuance

Unlimited unique IBANs per user

SEPA/SWIFT Support

EUR & GBP transfers worldwide

Webhook Integration

Real-time payment notifications

Auto-Reconciliation

Automatic transaction matching

Multi-Currency

Support for EUR, GBP, USD

Compliance-Ready

Full KYC/AML integration

Technical Benefits

  • Full API access for automation
  • Webhook notifications for all events
  • Sandbox environment for testing
  • Comprehensive API documentation
  • 99.9% uptime SLA
  • 24/7 technical support

Business Benefits

  • No need to establish banking relationships
  • Faster time to market (weeks vs months)
  • No minimum volume requirements
  • Transparent pricing structure
  • Dedicated account manager
  • Regulatory expertise included
Business Impact

Transform Your Operations

Banking infrastructure that reduces costs, improves compliance, and delivers exceptional customer experience.

100%

Regulatory Compliance

MiCA compliant fund segregation

90%

Operational Efficiency

Reduction in manual work

5 sec

Customer Experience

Deposit crediting time

80%

Cost Savings

Lower operational costs

Ready to Launch

Launch Your Banking Infrastructure

Complete fiat rails integration in 2 weeks. vIBANs, instant deposits, and API-driven payouts ready out of the box.